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  <!-- Homepage — highest priority -->
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    <loc>https://loansbearslending.com/</loc>
    <lastmod>2026-06-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <image:image>
      <image:loc>https://loansbearslending.com/images/hero-bear.webp</image:loc>
      <image:title>Loans Bear mascot</image:title>
      <image:caption>Loans Bear — friendly bear mascot for the loan-matching service</image:caption>
    </image:image>
  </url>

  <!-- Apply (conversion page — high priority) -->
  <url>
    <loc>https://loansbearslending.com/apply.html</loc>
    <lastmod>2026-06-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
  </url>

  <!-- How It Works -->
  <url>
    <loc>https://loansbearslending.com/how-it-works.html</loc>
    <lastmod>2026-06-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- FAQ -->
  <url>
    <loc>https://loansbearslending.com/faq.html</loc>
    <lastmod>2026-06-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Blog index -->
  <url>
    <loc>https://loansbearslending.com/blog.html</loc>
    <lastmod>2026-06-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
    <image:image>
      <image:loc>https://loansbearslending.com/images/blog-personal-vs-payday.webp</image:loc>
      <image:title>Personal Loans vs Payday Loans</image:title>
    </image:image>
    <image:image>
      <image:loc>https://loansbearslending.com/images/blog-credit.webp</image:loc>
      <image:title>Getting Approved With Less-Than-Perfect Credit</image:title>
    </image:image>
  </url>

  <!-- Legal pages -->
  <url>
    <loc>https://loansbearslending.com/disclosure.html</loc>
    <lastmod>2026-06-06</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>

  <url>
    <loc>https://loansbearslending.com/privacy.html</loc>
    <lastmod>2026-06-06</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.35</priority>
  </url>

  <url>
    <loc>https://loansbearslending.com/terms.html</loc>
    <lastmod>2026-06-06</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.35</priority>
  </url>

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